contributor. good morning, everybody. >> good morning, al. >> we're keeping current. we're going to go to our first question on twitter. 140, this is from ashley. she writes, i'm in my 20s. is a money market or mutual fund the best way to save for my future? how flexible are they? >> well, the answer is, well, actually they have different purposes. you want a money market for your short-term savings, that's your emergency cushion, and you need to be very flexible liquid because if you have an emergency you've got to get that money out. mutual funds are for your long-term future because there's more risk involved in them and you want to hold them in retirement accounts like 401(k) particularly if there are matching dollars available or a roth ira which, again, offers some more flexibility, especially for young people because you can get the contributions out if you need them, not that we want you to do that because you hear us all the time don't take money out of your retirement account.